Residential HDB and Private Property Home Loans – HDB, EC, Apartment, Condo, Landed Property

Compare Latest Lowest Cheapest Best Home Loans - Completed, Under-construction, New Purchase & RefinancePromotional Residential HDB and Private Property Home Loans:


Variable Rates

Variable Rates Throughout

Fixed Rates

1st yr From 1.55% 3M SORSibor + 0.65% From 1.85% Fixed
2nd yr From 1.75% 3M SORSibor + 0.65% From 1.85% Fixed
3rd yr - 3M SORSibor + 0.65% -
Lock in period 2 years Nil 2 years
Prepayment allowed
1.50% Yes 1.50%
Interest Rate Reference Board Rate 3M SORSibor Combo Fixed Rate
Average Honeymoon Rate
1.65% 1.74% 1.85%


(Only for Refinancing)

Legal + Valuation Legal

*Minimum loan amount may apply. Many other promotional offers, contact us for full list of details and offers.


Features and Benefits:

  • Fixed Rates (1-5 years) 
  • Fixed Deposit Pegged
  • Sibor Pegged
  • SOR Pegged
  • Variable Board Rates
  • Sibor / SOR Pegged throughout
  • Hybrid Combination of Sibor and SOR Pegged
  • Hybrid Combination of Fixed and Variable Rates
  • Deposit Matching Interest Offset
  • Half Principal Repayments
  • Constant Principal Repayments
  • Free Conversion
  • Legal and Valuation subsidies (For Refinancing Only)

Features of residential home loans include but are not limited to lock in period, prepayment penalties, legal subsidy, valuation subsidy, quantum of financing, loan tenure and bank valuation. Other lending characteristics may also vary between different banks and lenders.


Our Brokerage Services:

  • New Purchase (Completed / Under-Construction)

We provide mortgage comparisons from over 18 banks and finance houses for the finest and widest selections of home loans. Loan to value lending limits are capped at 80% financing quantum.

  • Refinancing / Remortgaging

Refinancing your residential home loan after your lock in period may provide you with thousands of dollars in savings. Legal and valuation subsidy plans available.

  • Cash out Property Term Loan / Equity Term Loan (Not applicable for HDB flats)

If your residential property has appreciated in value over the years, an additional cash out property term loan will allow you to cash out the excess equity of your property, subject to bank approval and CPF usage.

  • Fractional Part Purchase Mortgages

Due to a change in situation and needs, a couple or borrowers may need to decouple their housing loans. Example. A couple undergoing a divorce matter.  Borrower A will purchase over borrower B part share of the house. Other scenarios or situations may apply for part purchase mortgages.

  • TDSR Exemptions

Having your home loan application rejected with your existing lender when you tried to reprice your mortgage with them due to TDSR (Total Debt Servicing Ratio)? As different banks have different TDSR exemption policies in excess of MAS guidelines, we can help you find the right banks to refinance your mortgage and enjoy lower interest repayments.

  • Indicative Property Valuation Check

If you have would like to conduct an indicative valuation check, kindly text us details of the property like the address, build in area and asking price. Further information like land area, age, types of property, types of tenure, number of storey are required for indicative for landed properties.


Application Process - Step by Step Guide:

Application Process - Step by Step Guide